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  1. Hi, My ex hubby has just asked to cash in a pension with Prudential and its value is £25,000. He has just had a terrible thought and now is panicking. He works full time with a wage of £25,000 a year and he has an AOE that goes out his wages every week for Bradfoed and Bingley. Will this pension money affect his AOE ( will he have to pay more) Will the cheque come with the Tax already taken off it or does he have to contact HMRC and pay them direct? Thanks in advance.
  2. Armed forces pensions on divorce and dissolution of civil partnerships READ MORE HERE: https://www.gov.uk/government/publications/armed-forces-pensions-on-divorce-and-dissolution-of-civil-partnerships
  3. Apologies if this is in the wrong section but it was the only one close to the problem I have. My 94 year old Mother in Law is going in to a care home this week, she suffers badly with Dementia. As well as taking all her pension, I have been told by Social Services that I need to make "Top Up" payment of anywhere between £30 and £70 a week. We haven't asked for any upgrade to Mum's accommodation, she will have one of the basic bedrooms within the care home. Can anyone offer any advice or help please?
  4. CAB/Citizens Advice DWP - For State pension information. https://www.gov.uk/browse/working/state-pension MAS - the money advice service https://www.moneyadviceservice.org.uk/en/categories/work-pensions-and-retirement Pensions regulator http://www.thepensionsregulator.gov.uk/individuals.aspx Pension Wise https://www.pensionwise.gov.uk/ TPAS - The pensions advisory service http://www.pensionsadvisoryservice.org.uk/ unbiased.co.uk - to find an independent financial adviser [iFA] https://www.unbiased.co.uk/
  5. A new financial guidance service to provide advice on pensions, managing debts and other money issues is to be created by the government. It will replace the heavily criticised Money Advice Service (MAS) as well as two pension advice services. The government thinks a single advisory body will be more efficient but has yet to decide how the new service will actually work. The abolition of the MAS was announced in the Budget in March. It was criticised for failing to help those who needed it most and paying its staff too much. No timetable Like the MAS, the new
  6. Hi Guys, Please help I am so stressed and anxious and making myself sick. I have been on Incapacity Benefit since 1997, i was medically retired from the NHS. I cant remember exactly when i converted to ESA but was placed in ESA support group then when the 365 days were up (maybe a couple of years ago) they re assessed me to see if i was legible to continue, the outcome i believe was as i was in support group i would continue getting CR ESA. that carried on then in march i recieved a letter stating as i get £74.36 a week occupational pension x 2 I have one for £13.23 and one for
  7. A new DWP website has been launched by the Pension Tracing Service to help people more easily and quickly locate their lost pension savings. There is currently an estimated £400 million in unclaimed pension savings. This is money people have previously saved for their retirement, and the new website will better help people to locate their hard-earned savings. The new DWP online Pension Tracing Service helps reunite people with their lost pensions, giving details of providers to help people track them down. Anyone who thinks they may be missing out on any savings ca
  8. Hello if someone is in receipt of private pension and went on JSA would they receive the full weekly amount or would they reduce the amount due to the pension. Regards
  9. On LBC at 9pm tonight they will be discussing the changes to pensions. Might be worth a listen.
  10. READ MORE HERE: https://www.gov.uk/government/news/2016-war-pensions-and-allowance-rates
  11. Hello… I wonder if there is anyone who can help with this, please? Years ago my husband who is financially naive, (to say the very least), was sold several pensions, life insurances, annuities, etc., by an IFA. Amongst other things there were two pensions with Sun Life, (why he was sold two policies with the same pension provider is a mystery, but the IFA probably got paid commission for both of them). For several years they were paid in by direct debit under the two different policy numbers, then, when my husband was made redundant and stopped paying in, it would appear that
  12. Hi As I am about to claim my UK government pension I have calculated that I will be well over the UK Tax Allowances for the next year. As I will not be entering the UK at any time in the future with the exception of a short holiday I would like to be taxed in the country of residence, that being the Philippines I have visited the HMRC / Gov web sites but it seems to be deliberately garbled to bamboozle people. Am I correct that in assuming I am required to submit the "Residence, Remittance Basis" form. No point in submitting the R85 form as the banks here would not know what it is
  13. can anybody advise me as I seem to have got a lot of contradictory info here. I would like to know if the contribution an employee pays out of his/her wages/salary towards their workplace pension is in fact taxable through the normal p.a.y.e. system. Any help would be appreciated.
  14. Really just checking I've read the guidance right and not missed anything. I received ESA contribution based, support group and DLA high care low mobility. I've just started being paid a pension on ill health grounds of just under £55 per week. I think I need to tell DWP but it won't affect my benefits, am I right?
  15. has anyone had any dealings with this company of late, looking for some advice if anyone can help, have a small pension with them, that i started the process of cashing it in, money was meant to have being paid out 3 weeks ago, they have come back to us saying they can't pay out as irregalalities with their accounts with Barclays, leaving them unable to use their accounts, am a bit worried that its now 3 weeks, and still the same situation, leaving me worried that the funds are not there, anyone with some advice what if anything can be done
  16. Does the UK government have a reserve to meet some of its state benefit liabilities ? I cannot see any mention online and it raised the question as to whether government only meets pension liabilities out of current revenues. UK regulators do no allow pension companies to operate in this way and I would question why government does not appear to put money away, other than a general reserve which is quite small. Of course government can raise taxes and cut spending, but in the years ahead we will have a growing number of people of retirement age and working people increasingly fa
  17. http://www.bbc.co.uk/programmes/p02n2k4f
  18. I've recently separated from my husband. He's been advised that I can claim 50% of his pension accrued since the day we married and vice versa. We had 2 children before we married and were living together for 10 years before we actually got round to tying the knot. When the kids were young I worked on and off and mainly part time so didn't actually start a pension until 9 years ago so its pretty worthless just now. Should the 10 years prior to marriage be included in calculations when deciding what I should receive? He walked out and is refusing to contribute any further to any hou
  19. Been doing some research under Freedom Of Information into how much of our Council Tax is TAKEN to pay Public Service Pensions within the County,they can give an overall figure of the amount required to pay the Pensions which excludes Teachers,but they are unable to tell me how much of this is actually taken from Council Tax as in their words it is to complicated. This is really worrying because County Councils may well in the near future be responsible for their NHS budgets in the County as well,and if they have no idea how much they take from Council Tax to pay Public Service Pensions,
  20. Has anyone read this yet? https://www.gov.uk/government/publications/draft-legislation-the-taxation-of-pensions-bill
  21. Guest


    I have two small pensions that I get a monthly income from. When the new government legislation starts from April will I be able to withdraw the whole amount from the pension pots. Thanks for reading x
  22. Can someone please help me? This morning my employer received a letter from Department of Work and Pensions stating they are seeking recovery of monies for me. They had a very old address I hadn't lived at in 4 years. So I call them and give them my reference, the lady at the end of the line, who is clearly miserable and hates her job tells me I owe 93.70 from Job seekers allowance. I have not claimed JSA since 2005 when I claimed for 2-3 months. (9 years ago!) But I know what this is about as soon as she says this. One day in 2005 when I went to sign on I was told the next sign o
  23. http://metro.co.uk/2014/10/15/tory-work-and-pensions-minister-disabled-people-not-worth-minimum-wage-4906892/?ito=v-a I think even his own party should be calling for his resignation. I would say that 90% of parliament are not worth what the tax payer is shelling out for them.. especially when they make crass statements such as this ??
  24. http://www.publications.parliament.uk/pa/cm201415/cmselect/cmworpen/302/302.pdf In summary:- 'The flaws in the existing ESA system are so grave that simply “rebranding” the WCA by taking on a new provider will not solve the problems: a fundamental redesign of the ESA end-to-end process is required, including its outcomes, and the descriptors used in the WCA. This will be time-consuming and complex but the redesigned ESA assessment process needs to be in place by the time a completely new contract, involving multiple providers, is tendered in 2018.'
  25. Up to two weeks ago we used to receive one lump sum Pension credit for both us on a Wednesday. As we wife now receives State pension, I get PC on the Wednesday and she gets her State Pension on the Friday. In three months time, I go onto state pension and we will still have two payments per week which seems daft. I thought IDS was out to streamline the process and not burden it down with extra work. Not sure why we cannot get one lump sum State pension payment per week instead of two?
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